A scenario you can understand and compare

Compound growth and regular saving simulator

Explore a starting balance, monthly contribution and return assumption, with your own contributions separated from accumulated growth.

Enter the figures you want to check

From zero to SAR one billion, up to two decimal places, without grouping separators.

From zero to SAR one billion, up to two decimal places, without grouping separators.

From zero to 100%, up to two decimal places.

A whole number from 1 to 600.

Timing affects how long each contribution grows.

Calculations run only in your browser. Values are neither saved nor sent to us.

How are the results calculated?

Monthly rate = nominal annual return ÷ 12.

End-of-month contribution: new balance = previous balance × (1 + monthly rate) + contribution.

Start-of-month contribution: new balance = (previous balance + contribution) × (1 + monthly rate).

Growth = ending balance − starting balance − total contributions.

Assumptions and limits

  • This uses a constant illustrative return and is unrelated to any financial product or promised return. Fees, taxes, inflation and price volatility are outside the model.
  • The nominal rate is divided by 12 and the balance is rounded to a halala each month. This can differ from an effective annual rate or a provider’s calculation method.

Official source: Investor.gov — Compound interest calculator

Understand the idea behind the calculation

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